For future nurse practitioners

Federal aid stops at $20,500.
Your program costs $50,000.

We do the math. We find the money. You become an NP.

The Gap
$30K+
most NP students never see coming
Right Now
400K+
NP students facing this every year
The Cliff
2026
Grad PLUS sunsets
The Payoff
$130K
avg NP salary, year 1
The Way Through
5+
funding paths we stack for you
The Real Math

Three numbers nobody told you about NP school.

Federal cap
$20,500
Per year. That's all federal aid covers for graduate students.
Your program
$50,000+
Average annual cost of a US NP program.
The gap
$30,000
Per year. Per student. Every year. That's where we come in.

NP school costs as much as dental school. Federal aid treats it like a humanities masters. The system put a label on your degree and walked away.

We didn't.

$20K
in costs students miss
The Hidden Trap
Hidden costs add up fast.
Clinical rotations. Travel. Lodging. Boards. Insurance. Most NP students miss $10K-$20K in costs nobody warns them about. We make sure you see them coming.
2026
Grad PLUS sunsets
The Cliff
Grad PLUS is going away.
OBBBA eliminates Grad PLUS for new borrowers in 2026. The federal backup is disappearing.
5+
ways to stack the funding
The Way Out
There's a path through.
Scholarships. Service awards. Employer aid. Smart private loans. We help you stack it all.
A Tale of Two NPs

Same school. Same federal aid. Different choice.

Both max out federal loans. Both come up short. One fills the gap. One grinds through it. Five years later, here's where they land.

Federal aid only
Jess
"I'll take federal loans and grind. Skip the private debt."
Year 1 · The Choice

Maxes federal aid. Still $30K short. Drops to part-time. Works 32hr/wk to cover the gap.

Part-time student
Year 3 · The Drag

Halfway through coursework. Burnout setting in. Tuition has risen. Federal balance: $61K.

Still in school
Year 5 · The Reality

Still in coursework. Not licensed. Boards next year. Federal balance: $102K.

Still RN income only
× Not licensed
After 5 years
$0
earned as an NP. $102K in federal debt anyway.
Federal aid + smart gap loan
Maya
"I'll take federal aid AND a private loan to fill the gap. Get licensed. Pay it back."
Year 1 · The Choice

Maxes federal aid + borrows the $30K gap. Full-time student. Per-diem RN weekends.

Full-time student
Year 3 · The Pivot

Licensed and practicing. Salary: $130K. Loan payments: ~$1,100/mo. Net cash: +$95K.

Earning $130K
Year 5 · The Payoff

3rd year practicing. Loans down to $50K. Net cash: +$330K. Considering a home or specialty cert.

Earning $135K
Licensed 3 years
After 5 years
+$330K
in net cash after all loan payments.
$330K+
The cost of waiting. Same federal aid. Different choice about the gap.
See My Numbers →

See exactly what your entire NP education will cost. Every dollar of it.

Move the sliders to match your situation. We'll tell you exactly how much to borrow and where to go.

School Costs Eligible for private student loans
Annual tuition
$35,000
$20K$65K
Cost of living allowance school-certified
$10,000
$0$20K
Program length
2 years
1 yr4 yrs
Clinical Rotation Costs Typically not covered by student loans
Number of clinical rotations
4 rotations
28
Preceptor fees per rotation
$2,500
$0$5K
Hotel & housing per rotation
$1,500
$0$3K
Flights & travel per rotation
$800
$0$2.5K
Gas & commute per month
$250
$0$450/mo
Other Costs Total across full program
Certification exams & board prep
$950
$395$2K
Malpractice & health insurance per year
$900
$200$2.4K/yr
Living costs when you're waiting for a rotation
$20,000
$0$30K
Background checks, compliance, equipment
$1,200
$200$3K
Your Total Funding Gap
$0
Across your full program
🎓
Private Student Loan
$0
Tuition and school-certified costs beyond federal aid
🏥
Personal Loan for Rotations
$0
Preceptor fees, housing, travel, boards, and living costs
Tuition & books $0
All rotation costs $0
Living & other costs $0
Total program cost $0
Federal loans available $0
Your funding gap $0
Get your personalized funding plan.

We'll match you with the best options for your exact numbers. 30 seconds.

Expected Graduation Date
How did you hear about us? (optional)

No commitment. No spam. We will never sell your information.

After Graduation

You picked a career that pays you back.

$130K
Avg NP salary, year 1
95%
Employed within 6 months
+45%
Workforce growth by 2032 (BLS)
2%
Default rate on advanced nursing loans
"
I almost didn't start. The numbers didn't work and nobody could explain them to me.
Jordan, NP student, Texas
Tools That Actually Help

Built for real decisions. Not advertising.

How It Works

Three steps. Thirty seconds each.

1

Calculate

Move sliders to match your situation. We tell you exactly what you need to borrow.

2

Match

One application. Multiple lenders. Soft credit pull only. Real offers in minutes.

3

Fund

Pick the option that works. Sign. School gets paid. You get to keep going.

Ready to see your numbers?

Free. No credit pull. No spam. 30 seconds.

See My Funding Gap →

982 schools in our database. 51 state guides. Zero fees for users.

Calculate My Funding Gap →
Free · 30 seconds · No credit pull